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Add your debts, choose snowball or avalanche, and see exactly when you'll be debt-free. Add extra payments to see how much faster you can get there.
Calculate your debt payoff timeline instantly — no signup, no ads. Add all your debts with balances, interest rates, and minimum payments. Compare snowball (smallest balance first) vs avalanche (highest rate first) methods. See your total interest, payoff date, and how extra payments accelerate your freedom. Everything runs in your browser — no data stored.
Pay minimums on all debts, then throw extra money at the smallest balance first. When that's paid off, roll that payment into the next smallest. You pay more interest overall, but the quick wins keep you motivated.
Pay minimums on all debts, then throw extra money at the highest interest rate first. This saves the most money on interest. Mathematically optimal, but the first payoff can take longer.
Avalanche always saves more on interest because you're eliminating the most expensive debt first. The difference can be hundreds or thousands of dollars depending on your balances and rates.
Even $50-100 extra per month makes a huge difference. The calculator shows you exactly how much time and interest you save with any extra payment amount.